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Savings Accounts

Start saving to reach your financial goals with a Georgia United Savings Account. Whether you’re building an emergency fund, saving for a family vacation or putting money aside for the holidays, we have a variety of savings options to help you meet your goals.

Start Savings towards your goals

Georgia United Credit Union is dedicated to offering the best rates to our members. Our savings accounts come with a range of benefits designed to help you meet your financial goals. Rest assured that your account is federally insured by the NCUA, so that you can save confidently, knowing your money is protected. 

High Earning Savings

Grow your savings with our High Earning Savings Account! Perfect for an emergency fund or building wealth. With this tiered savings account, save at your own pace and enjoy higher earnings the more you save.

  • Earn up to 3.75% APY*, by making monthly net deposit(s) of $100+ or keeping a balance of $25,000 or more
  • Only $100 to open
  • Easily access your money when you need it

Certificate of Deposit

A Georgia United CD provides a safe and easy way to grow your savings with a fixed-rate annual percentage yield (APY).
  • $1,000 minimum deposit
  • Save with higher dividend rates
  • Save confidently with predictable rates of return

More Options to Save

Prime Share Savings

Your Georgia United membership begins when you open a Prime Share savings account. If you're not already a member, you'll need to open this basic savings account to take advantage of other product offerings.

  • $5 minimum deposit and $5 one-time nonrefundable membership fee
  • Earn dividends
  • Includes two free withdrawals per month***
  • No monthly maintenance fee****

Individual Retirement Accounts

IRAs are great for long-term financial goals and may provide you with additional tax benefits.*****

  • Traditional, Roth and Educational IRAs available
  • No minimum opening deposit

Money Market Savings

Earn interest at a rate typically higher than savings accounts. Money Market features include:

  • Low minimum opening deposit of $1,000
  • Earn interest with competitive rates that increase as your funds increase
  • Write checks, make unlimited deposits and receive three free withdrawals per month***
  • No monthly maintenance fee - just maintain a $1,000 daily balance****

"You Name It" Savings

This customizable account is as unique as your financial goals. Tell us what you're saving for and that's what we'll name your account. 

  • Open with a $5 minimum deposit
  • Earn dividends
  • Includes two free withdrawals per month***

Vacation Club Savings

Save at your own pace and earn dividends while you plan your perfect getaway.

  • Earn dividends
  • Includes one free withdrawal per quarter***


Christmas Club Savings

Stash away money for the holidays. The money you save is automatically deposited into your Prime Share savings account on November 1.

  • Earn dividends
  • Unlimited withdrawals November 1 – December 31
  • $5 fee per withdrawal outside of above time period***
I've been banking with Georgia United since 2014 and I will not ever go back to a traditional bank. I do not pay unnecessary fees and charges which I appreciate. I can save and see my money grow without the bank constantly taking out fees and charges. The service is wonderful as well.
- Vivian C.
Georgia United has more perks than my previous banking institution. Options for my children, savings for holidays/birthdays, and friendly customer service.
- Marisha T.
The credit union provides good interest rates on savings and I feel that my credit union is part of my community.
- Annelies M.

*APY = Annual Percentage Yield. Rates may change after account is opened. Any account that receives net deposit(s) totaling $100 or more during the month will earn 3.75% APY. If no qualifying deposit(s) are made, dividend is accrued on a tiered basis. Balances $9,999.99 or below earn 0.10% APY. Balances $10,000.00 to $24,999.99 earn 2.00% APY. Balances $25,000.00 or more earn 3.75%. Minimum deposit to open the account is $100.00. Minimum balance to earn dividend is $0.01. Dividend is compounded and credited monthly. Must maintain a minimum balance of $5.00 in the account to avoid service fees; otherwise $5.00 fee per month. Will receive two (2) free withdrawals per month, thereafter your account may be subject to a $5.00 fee per withdrawal. Fees may reduce the earnings. See the Share Rate and Fee Schedule for additional fees that may apply. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice.

**APY = Annual Percentage Yield and Dividend Rate are accurate as of the last dividend declaration date, and may change after the account matures. The minimum deposit and minimum balance required to earn the advertised APY is $1,000. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account, see terms and conditions for additional restrictions and fees that may apply. Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5.

7 month CD Promotion

APY is fixed for the term of the limited time promotion. The funds used to open the CD cannot currently be in a deposit account with Georgia United. Members with a Georgia United CD that reaches maturity may choose to renew at the promotional rate by increasing their deposit balance by $1,000. A 7 month term will earn 5.05% APY and at maturity, the CD will renew at a 6 month term at the prevailing rate. 

***For a Money Market Savings, you will receive three (3) free withdrawals per month, thereafter your account may be subject to a $5.00 fee per withdrawal. For a Christmas Club account, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. For a "You Name It" Savings and Prime Share Savings, you will receive two (2) free withdrawals a month, thereafter your account may be subject to a $5.00 fee per withdrawal. For Christmas Club accounts, there will be a $5.00 fee for each withdrawal made January 1 - October 31. For Vacation Club accounts, one (1) free withdrawal is allowed per quarter, thereafter a $5.00 fee for each withdrawal. Fees could reduce the earnings on the account. Membership and eligibility requirements apply.

****Account must be kept active with a $5 minimum balance to avoid service charges. For a Money Market Savings, account must maintain an average daily balance of $1,000 to avoid service charges; otherwise $5.00 fee per month. See Georgia United's Share Rate and Fee Schedule for more details.

*****Not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA.

Rates effective as of